Check your credit score or report in NZ

Free credit scores and reporting

Requesting your credit reports

There are three credit reporting bureaus in NZ. You can request a free report from any of them if you’d like to find out more about your credit score. If you think there may be something wrong with your credit score, it is worth requesting a free report from each of them. It’s not impossible that there could be defaults, enquiries or accounts on your credit report that are the result of identity theft.

Pay over 10 weeks. No interest, no fees.

More credit scoring FAQs

A credit score is a number assigned to people by complex algorithms. When a credit check is requested, these algorithms can search through massive databases and analyse your historical credit data to see how likely you are to make regular payments in the future. The higher the score, the better your credit rating is. Read more about credit scores and who calculates them.

Not all credit scores are measured on the same scale. Our credit scoring provider, Centrix, uses a scale of 0-1500. However, a scale of 0-1000 is most common. In this case, scores well below 450 can be considered “bad scores”, scores above 600 can be considered “good scores” and anything in-between is the norm. Find out how you’re affected by a good or bad credit score.

Your credit report is the more comprehensive list of what historical data is feeding into your credit score. This includes any accounts, enquiries, defaults, infringements, collection notices, judgements, insolvencies and other public record information.